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Los Nuevos Amigos (Calceta) Group
In this Group: Miriam Ariana, Jennifer Monserrate, Johanna Elizabeth, Laura Victoria, María Daniela, Alicia Asuncion , María Angelica , Julio Cesar, Ana Isabel, Felix Vinicio, Erika Tatiana, Denny Consuelo, Luis Miguel, Sara Albertina
The Communal Bank "Los Nuevos Amigos" (New Friends) meets every two weeks in the beautiful city of Calceta, a city described as incomparable due to the beauty of its women and because the locals consider it the most beautiful city in the world.

This group of people decided to get together four months ago and form this Communal Bank, which has been a great help to them in improving their small businesses. They are engaged in various activities such as trading, providing services, selling meals and so on.

Señora Miriam is a local. She is 29 years old and is in a common-law marriage from which she has three children aged 11, 10 and one. The eldest two are studying in school. Her husband is a security guard.

She works at selling sheets, bedspreads and clothing through a catalog. She sells door-to-door and also from home in the case of her best-known customers. She works mostly from customer orders received. She works every day from 8 a.m. to 11.30 a.m. Then she prepares lunch for when her children come in from school. She does not go out in the afternoon as she has to help her children, but she does attend to customers who come to the house. She gives her customers credit and then collects payment on the weekends. She has dedicated the last four years to this business and it is going well.

She will use this loan to buy more sheets, bedspreads and clothing by catalog. This is her first loan cycle in the Communal Bank and she likes the speed with which the loans are issued.

Her dream is that her children should want for nothing.
View original language description ↓
EL Banco Comunal Los Nuevos Amigos se reúne cada quince días en la hermosa ciudad de Calceta, ciudad conocida con el nombre de “Calceta la sin par”, por la belleza de sus mujeres y porque para sus habitantes no hay ciudad más hermosa en el mundo.

Este es un grupo de personas que decidieron unirse hace cuatro meses atrás y formar este Banco Comunal que les ha servido de mucho para mejorar sus pequeños negocios que tienen. Se dedican a diversas actividades tales como comercio, servicios, venta de comidas entre otras actividades.

En este lugar vive la señora Miriam, tiene 29 años de edad y mantiene una relación de unión libre de la cual tiene tres hijos de 11, 10 y de 1 año de edad, los dos mayores estudian en escuela. El marido es guardia de seguridad.

Ella se dedica a la venta de sabanas, sobrecamas y ropa por catalogo, su forma de venta es puerta a puerta y también vende en su casa hasta donde llegan sus clientes más conocidos, ella trabaja más a base de pedidos que le realizan sus clientes. Trabaja todos los días desde las 8h00 hasta las 11h30 ya que a esa hora tiene que preparar el almuerzo para cuando lleguen sus hijos de la escuela y en la tarde no sale porque tiene que ayudar a sus hijos, pero si atiende a los clientes que llegan hasta su casa, deja a crédito a sus clientes y cobra cada fin de semana. Lleva 4 años que se dedica a esta actividad y le va muy bien.

Este crédito lo va emplear en comprar más sabanas, sobrecamas y ropa por catalogo. Este es su primer ciclo en el Banco Comunal y le gusta por la rapidez con que salen los créditos.

Su sueño es que a sus hijos nunca les falte nada.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Ecuador

  • $10,200
    Average annual income
  • 39
    View loans »
    Ecuador Loans Fundraising
  • $23,146,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Los Nuevos Amigos (Calceta) Group's $4,625 loan helped a member to buy sheets, bedspreads and clothing.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 28, 2011
Listed
Nov 4, 2011
Currency Exchange Loss:
N/A
Ended:
Mar 15, 2012